Civista Bank MoneyFit Guide

MoneyFit Guide Tips to strengthen your savings.

Strengthen Your Savings.

Tips to help get your finances in shape.

Let’s do this together.

Are these exercises part Exercises for Saving More

Financial Benefits for You

Establish direct deposit into your checking account.

Your money is available for immediate use. Reduces overdraft potential and lost/stolen checks.

Arrange a pre-authorized transfer (PAT) from checking to savings every payday.

Automatically deposits money into your savings account. You establish the amount and frequency.

Out of sight…out of mind.

Use online banking to review transactions and make transfers 24/7.

Balance your accounts more often to avoid potential overdrafts from transactions you forgot to record.

It’s FREE.

Contribute to your employer’s retirement plan.

Take advantage of any employer matched contributions…it’s free money for you and reduces your taxable income.*

Discuss your savings goals with your spouse or a close friend and review your progress regularly.

Let someone else help make you accountable and celebrate your successes.

Establish a separate savings account for each savings goal.

Easily monitor progress. Nickname your accounts through your Civista online banking.

Open a Christmas Club Account.

Be prepared for holiday expenses.

Arrange automatic payments for utilities, loan payments, etc. or schedule bill payments through our free Bill Pay Plus.

Avoid late fees with on-time payments.

* Consult your tax advisor

of your savings plan?

Exercises for Saving More

Financial Benefits for You

Compare your mortgage rate for refinancing potential.

Take advantage of historical low rates and reduce your monthly payment.

Choose e-statements.

Don’t wait for the mail. Review your statement sooner. It’s free and sent directly to your email account.

Track your monthly expenses.

Seeing where your money goes is the only way to identify places to save.

Make an Individual Retirement Account contribution.

Supplement your employer retirement plan and earn a tax benefit.*

Consolidate high-interest rate loans.

Save on interest expense with a debt consolidation loan.

Review your investments regularly.

Rebalance your accounts to maintain your strategy.

Request and inspect your free credit report annually from multiple credit reporting agencies: Equifax,® Experian® and TransUnion® @www.annualcreditreport.com

Identify potential errors to protect your credit.

If you pay your credit card balance in full each month, choose a rewards credit card.

Earn extra rewards, including cash back.

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